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Affordable Housing

Affordable Housing

Redevelopment Staff

Lisa Brinton, Redevelopment Project Manager

Rich Glenn, Redevelopment Project Manager


What is "affordable housing"?

Affordable housing refers to the availability of safe and adequate homes to households classified by defined income categories. All income levels are considered, from extremely low to upper income. Specific categories are "extremely low," "very low," "low," "moderate, and "workforce." Upper income households, while not necessarily "affluent," are considered capable of achieving their own housing needs without public intervention.

"Extremely low income" housing is that available to households earning annually no more than 25% of the area median income (AMI). "Very low income" households earn no more that 50% of the AMI. "Low income" households earn below 80% and those of "moderate income" earn less than 120%. "Workforce" housing is defined by the realities of the Monterey Peninsula housing market. Generally, workforce units are considered those affordable to households making no more that 160% of the AMI. Consequently, households earning 160% or more of AMI are considered "upper income" for housing program category purposes.

The Redevelopment Agency of the City of Seaside's primary housing focus is to assist low and moderate income households secure safe and adequate housing within the community.

Housing Assistance Programs:

Down Payment Assistance

The Redevelopment Agency of the City of Seaside (RACS) currently offers funds under the First Time Homebuyer Down Payment Assistance (DPA) Loan Program. Program requirements include eligibility of both the owner and the dwelling unit. Low and moderate income households are eligible to apply. Homes to be purchased must be code compliant providing safe and adequate housing for applicants.

Down Payment Assistance Loans are currently available from $60,000 to $75,000 under the program. Additional information and a complete application package (aplicaciĆ³n) can be obtained on line here or from the RACS staff at Seaside City Hall.

Housing Rehabilitation

The City/RACS Rehabilitation Loan Program offers housing rehabilitation loans and emergency repair grants to eligible homeowners who reside within the City of Seaside. The purpose of the program is to provide assistance to homeowners who may need repairs done to their homes. The loans are available to households earning no more than 120 percent of the area median income. In order to be considered eligible, applicants need to have their income verified by the City. Under housing rehabilitation, the City offers the following programs:

Major Rehabilitation Loans of up to $60,000 to repair a variety of heath and safety hazards, building code items, and deferred maintenance items, such as windows, painting, heating, flooring, roof, electrical, plumbing, weatherization, etc.

Extremely low- and very low-income homeowners qualify for a 0% and deferred payment loan, and low- and moderate-income homeowners qualify for a 3%, non-deferred loan. The term of the loans is for up to 30 years, and a Deed of Trust is recorded on the house. Full payment of loans will be demanded upon the sale, transfer, or change of ownership of the house. Follow this link for a complete rehabilitation loan application package (aplicaciĆ³n) or contact the Redevelopment Agency staff at Seaside City Hall.

Emergency Home Repair Loans of up to $5,000 will be given if the repairs needed cause an immediate threat to health and safety, such as some heating, plumbing, and electrical issues. A Deed of Trust is recorded on the house. Additional information is provided here or can be obtained at the RACS office located at Seaside City Hall.

Emergency Home Repair Grants of up to $600 are available to eligible homeowners for minor repairs that address health and safety issues, such as safety grab bars in the bathroom, door replacement, locks, water heater, etc. For more information, click here or contact the Redevelopment Agency staff at Seaside City Hall.

Residential Paint Program

The Residential Paint Program currently provides free paint to low and moderate income households.  An application form is provided here for your convenience.   Please contact the Redevelopment Agency staff at Seaside City Hall for additional information.



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Last updated: 9/4/2014 12:23:19 PM